Social Security is all too often dismissed as a serious source of retirement income. How often do you hear someone say they just assume it won’t be there for them so they ignore it? But the fact it is, the program will be fully funded until 2033 even if no changes are made. And changes, both big and small, will likely happen along the way making the program a viable source of income for generations.

So even while the big picture has some question marks, suffice it to say that any client over the age of 40 will see Social Security as an important source of retirement income. So advisors can take steps now to help their current clients.

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